Riding Instructor Insurance – Summary & Premium Indication
To qualify for freelance insurance you must be self-employed and working for several different people/businesses.
A Freelance Instructor is someone who provides instruction to third parties and does not provide the horse. If teaching is on behalf of a riding school you should be covered under the riding school’s policy as you are not then acting on a freelance basis.
Qualified refers to anyone with BHSAI or UKCC Level 2 or above.
This policy only includes cover for freelance instruction and no other activities, unless the Grooms extension is included which then provides cover for both freelance Instruction and freelance Grooms.
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Limit of Liability
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Cover Level
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£1,000,000
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£2,000,000
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£5,000,000
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Premium
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Premium
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Premium
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Qualified (Instruction Only)
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£229.59
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£267.01
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£348.11
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Unqualified (Instruction Only)
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£272.01
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£316.92
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£414.24
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Qualified + Freelance Groom*
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£479.50
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£566.43
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£759.81
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Unqualified + Freelance Groom*
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£547.73
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£653.77
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£872.10
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This table shows an indication of the annual premium including Insurance Premium Tax and administration fees. These can be paid monthly by direct debit (further charges will apply).
*A Freelance Groom is someone who works for third parties assisting with looking after horses including exercising, schooling, yard duties, competition grooming etc.
Riding Instructors Insurance – Cover Available
Public Liability
Public liability covers you for any claims made against you in respect of third party property damage or third party injury. We offer a choice of limits from either £1,000,000, £2,000,000, or £5,000,000 with an excess of £500 (third party property damage only).
Care, Custody & Control
Also referred to as Custodial Liability, this section provides cover should a horse, in your care, sustain an injury or die as a result of your negligence.
Benefits are paid for veterinary fees or, in the event of the horse’s death, the current market value of the horse, up to the incident limit of £10,000 per horse, £100,000 during the policy period and an excess of £500 for each and every loss.
Specific Extensions
We can offer specific extensions to cover depending on your individual requirements, for example, extend your Public Liability cover to include riding other peoples horses at shows. We are also able to include Employers Liability on our Instructors insurance, should you have any employees. Further to this, we are happy to approach our underwriters about any non-standard extensions to cover that you may need.
Employers Liability
You are required by law, under the Employers Liability (Compulsory Insurance) Act 1969, to hold a current Employers Liability policy for anyone employed by you, whether they are full time, part time, in training, paid or unpaid. It provides cover for any personal injury claims made against you by an employee during the course of their employment.
The policy provides cover up to £10,000,000.
Employers Liability cannot be taken out in isolation, only in conjunction with Public Liability.
Riding Instructors Insurance – Claim Forms
General Liability Claim Form (Download)
Should you need to make a claim on your policy it is important that you notify KBIS as soon as possible.
The following guide will help to ensure that you have complied with the terms of your policy with regards to claims notification. It is important to adhere to these conditions as failure to do so may prejudice your position with underwriters.
1) Initial notification
Contact KBIS as soon as possible. You can contact KBIS by:
Phone:
UK Telephone No: 0345 345 2323
Outside UK: +44 (0) 1635 247474
View our office opening times.
Email:
ask@kbis.co.uk
2) Obtain a Claim form
You can download a General Liability Claim Form above.
If you have contacted our offices we can arrange for a form to be sent by post, including a free post envelope for the return of your form and documentation
3) Collate all necessary information
In order for us to process your claim in the most efficient manner it is important that we have all of the relevant documentation, as requested, to enable us and the underwriters to consider the claim in its entirety.
4) Send the completed form and documentation to KBIS
Please note that we are unable to give any indication whether a claim is likely to be paid without the completed claim form and invoices.
Request a Quote – Freelance Riding Instructor
To obtain a quote you can either complete an online proposal form or contact us by phone.
Complete a Proposal Form
You can complete an online proposal form which will be submitted directly to our office and a quotation will be emailed to you as soon as possible. Alternatively, there is a PDF copy available for you to download and complete.
Contact Us
Call us on 0345 230 23 23 and select option 4.
View our office opening times.